Veronica M. Schmelzer, FLMI, HIA, SICS - President & CEO

Vicki is a twenty-seven year veteran of the health insurance industry specializing in risk management.  She is an underwriting leader with proven success in managing high quality teams and billion dollar blocks of accident and health insurance risk including both fully insured and stop loss health business. She also provided risk management and product development services for dental, short term disability and life underwriting products. She is a Certified Specialist in Self-Insurance and is an entrepreneur who founded Strategic Underwriting Solutions, LLC with prominent industry investment partners in 2006 to bring high quality, innovative risk management and compliance solutions to the market.  SUS, LLC is a full service Managing General Underwriting company for A rated stop loss carriers and a full service risk management consulting company for the accident, health and life insurance industry.

Vicki and her partners formed this organization specifically to respond to a market need for Third Party Administrators, insurers, managed care organizations and risk bearing entities considering entry into new products and markets where they have efficient administration, distribution, clinical expertise, other positive factors but require highly qualified and capable medical underwriting staff and risk management services.  



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Cheryl R. Wesa, FLMI - Vice President, Stop Loss Underwriting

Cherie is responsible for production staff and personal production risk management including profitable pricing of small group and stop loss health insurance business.  She is also responsible for financial activities which impact the profitability of the carriers and risk taking entities SUS services as well as to achieve profit, growth service and expense objectives on assigned blocks of business.  Cherie represents the underwriting function in customer meetings and client/broker interactions.  She assists with monitoring and controlling the annual operating plan for SUS with a commitment to long term business relationships.  She provides input and overall management of stop loss operations including quality data base management at SUS.


Lori Michaels - Vice President, Risk Management Operations

Lori is responsible for staff and processes related to all aspects of operations for underwriting, premium remittance/inforce account management, specific and aggregate excess claims adjudication and case management.  She is also responsible for documentation and training of underwriting guidelines for specific carrier and MEWA programs, risk management tools and quality review of internal staff for her related areas.  She works closely with executives and customers to develop profitable sales plans that achieve persistency and contribute to the organization's performance objectives.  She assisted in development of our business continuity and disaster recovery plan. 


Joseph M. Toohill, FLMI, AIRC, HIA, CHRS - Vice President, Compliance & TPA Management

Joe is a regulatory and compliance Vice President with extensive experience in individual, small and large employer health and ancillary markets.  Joe is responsible for policy issuance, agent/agency appointments, product development, legal, regulatory and compliance functions and services.  He coordinates relationships with and conducts administrative audits of partner Third Party Administrators.  He completes regulatory research as needed for new, pending and existing requirements for health products, including advertising compliance and rate filings for clients.  He implements compliance updates and corrective action plans as required by regulators, carriers and risk takers.  


Robert W. Dvorak, FLMI - Vice President, Finance, Audit & Actuarial Support

Bob is responsible for all aspects of financial management of SUS operations.  He is responsible for the insurance block and SUS financial reporting.  He coordinates all internal and external auditing activities.  Bob is also responsible for assistance with pricing of risk for assigned blocks of business and evaluation of the underwriting formulas and base rate models utilized in SUS pricing methodology.  






Thomas P. Frank, CLU, FLMI, ALHC - National Director of Sales & Marketing

Tom has over 40 years of experience as a life and health insurance executive in individual and group underwriting, claims, administration, compliance, sales and account management. Most recently he held the position of Vice President of Special Health Products for Celtic Insurance, responsible for its stand-alone Medical Expense Conversion Program. He holds multiple insurance designations, including CLU, FLMI, and ALHC. Past President of the Group Underwriters Association of America, Tom remains actively involved in numerous insurance organizations.  

Great work is done by people who are not Afraid to be Great!

~Fernando Flores